BlastPoint's Banking Scorecard
Washington Savings Bank
Community
Specialty: Commercial
IL
FDIC cert 29227
Effingham, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Washington Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 8.91% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 37% in Community
- - Return on Assets 0.85% below tier
- - Net Interest Margin 1.18% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$586.2M
+3.4% YoY
+1.4% QoQ
|
-$805.2M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$340.2M
+4.0% YoY
+0.2% QoQ
|
-$635.3M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$501.7M
+2.3% YoY
+1.2% QoQ
|
-$662.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.31%
+133.2% YoY
+69.4% QoQ
|
-0.85% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.48%
+26.1% YoY
+3.3% QoQ
|
-1.18% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
81.22%
-12.9% YoY
-4.6% QoQ
|
+18.59% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.50%
-35.6% YoY
-11.5% QoQ
|
-0.13% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
67.81%
+1.7% YoY
-1.0% QoQ
|
-15.25% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
12.38%
+3.1% YoY
+1.9% QoQ
|
-8.66% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.29%
-35.9% YoY
-13.7% QoQ
|
-0.21% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
19.16%
-1.2% YoY
+1.1% QoQ
|
+8.91% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.55%
+12.2% YoY
+39.8% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.16%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Efficiency Drag
risk
#57 of 152 · Bottom 37% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.22%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.31%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.48%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 19.16% · Tier avg: 10.24%
83
83th pctile
Loan-to-Deposit Ratio
Current: 67.81% · Tier avg: 83.06%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
47
47th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.38% · Tier avg: 21.05%
13
13th pctile
Total Deposits
Current: $501.7M · Tier avg: $1.2B
12
12th pctile
Total Assets
Current: $586.2M · Tier avg: $1.4B
9
9th pctile
Efficiency Ratio
Current: 81.22% · Tier avg: 62.63%
7
7th pctile
Total Loans
Current: $340.2M · Tier avg: $975.5M
6
6th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.16%
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
6
6th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.16%
7
7th pctile
Total Loans
Current: $340.2M · Tier avg: $975.5M
9
9th pctile
Efficiency Ratio
Current: 81.22% · Tier avg: 62.63%
12
12th pctile
Total Assets
Current: $586.2M · Tier avg: $1.4B
13
13th pctile
Total Deposits
Current: $501.7M · Tier avg: $1.2B
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.38% · Tier avg: 21.05%
47
47th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
83
83th pctile
Loan-to-Deposit Ratio
Current: 67.81% · Tier avg: 83.06%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.16% · Tier avg: 10.24%